First National Bank of Pulaski

This is a community-focused bank that offers SBA loan programs, including the 7(a) loan, to help small businesses grow and succeed with personalized financial solutions.

You can walk into the Pulaski branch during business hours or schedule an appointment with a loan officer for personalized assistance.

The branch operates Monday through Friday from 9:00 AM to 5:00 PM, with additional appointment options available outside regular hours.

There are no fees to visit the branch, but loan applications may include processing and guarantee fees depending on the loan terms.

The bank serves small business owners and entrepreneurs in Pulaski and surrounding areas, with eligibility based on creditworthiness and business needs.

A minimum personal credit score of 640 is generally recommended, but higher scores can improve the likelihood of approval.

The underwriting process typically takes 30 to 45 days, depending on the completeness of the application and supporting documentation.

Several First National Bank of Pulaski locations, including the Main Office, are open on Saturday. Confirm specific Saturday hours with your local branch.

First National Bank of Pulaski is located in Tennessee — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for First National Bank of Pulaski, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by First National Bank of Pulaski itself, which runs its own lending under its own ownership. If you work at First National Bank of Pulaski, you can claim this listing from this page to manage it.

The core details for First National Bank of Pulaski — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with First National Bank of Pulaski before applying. If you represent First National Bank of Pulaski, claim this listing to keep its information up to date.

You can reach First National Bank of Pulaski by phone at (931) 363-2585 or online at fnbforyou.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with First National Bank of Pulaski before relying on them.

Based on its approved SBA loans, First National Bank of Pulaski most often finances businesses in restaurants & food service and construction & contractors. This reflects First National Bank of Pulaski's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with First National Bank of Pulaski which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether First National Bank of Pulaski participates in SBA Express depends on its specific SBA lending authority. Contact First National Bank of Pulaski and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. First National Bank of Pulaski can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. First National Bank of Pulaski's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask First National Bank of Pulaski directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask First National Bank of Pulaski what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask First National Bank of Pulaski to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with First National Bank of Pulaski to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. First National Bank of Pulaski weighs this case by case under its own policy, so be upfront about your history and ask First National Bank of Pulaski how it evaluates prior bankruptcies.